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Standalone Bike Insurance v/s Third-Party Bike Insurance v/s Comprehensive Bike Insurance.
| Features | Own Damage Insurance | Third-Party Insurance | Comprehensive Insurance |
|---|---|---|---|
| Cover your own bike | Covers damages to your bike only | Not covered | Covers damages to both your bike and third-party liabilities |
| Third-party liability coverage | Not covered | Covers third-party property damage and injuries | Covers both third-party liabilities and own bike damage |
| Coverage for theft | Yes, bike theft is covered | Not covered | Yes, bike theft is covered |
| Coverage for natural disasters | Yes, covers natural disasters like floods | Not covered | Yes, covers natural disasters |
| Coverage for man-made events | Yes, covers vandalism and riots | Not covered | Yes, covers man-made events |
| Personal accident cover | Optional (through add-ons) | Not included | Available as an add-on |
| Premium cost | Moderate | Lower, as it only covers third-party liabilities | Higher due to broader coverage |
| Add-on covers available | Available (e.g., zero depreciation) | Not available | Available (e.g., engine protection, zero depreciation) |
| Legal requirement | Not required | Mandatory by law | Optional but highly recommended |
| Best for | Those wanting protection for their own bike | Those seeking basic, mandatory protection | Those seeking full coverage for bike, third-party, and theft |
What Is Covered Under a National Standalone Own-Damage Policy?
Here is what a National Standalone Own-Damage Two-Wheeler Insurance policy covers:Damage to your two-wheeler due to an accidentDamage caused by fire or explosionTheft of the two-wheeler or damage that cannot be repairedDamage caused by natural disasters or man-made events
Here is what this policy does not cover:Electrical or mechanical problems in the two-wheelerDamage caused by wrong use or illegal ridingLoss in value due to normal wear and tear over timeAccidents that happen outside the country
Here are the main benefits of buying a National Two-Wheeler Own-Damage Insurance Policy:It pays for damage to your bike if something goes wrong, like an accident or other unexpected events.You get a No Claim Bonus for every year you do not make a claim. This bonus increases every year.You can add extra covers to get better protection for your bike.
What Is Not Covered Under a National Standalone Own-Damage Policy?
Benefits of National Standalone Own-Damage Policy
Bike Insurance Plans By National
